How It Works

A transparent, no-pressure 4-step process. You can walk away at any step.

Step 1 — Free confidential consultation

A 15-minute phone call where we listen. We ask about your situation, your timeline, what you've tried, and what you want to happen. We don't pitch you. We don't pressure you.

By the end of this call, you should have a clear sense of whether we're a good fit to help — and if we're not, who is.

Step 2 — Assessment and options report

Within 24 hours of our first call, we send you a written summary of every option that makes sense in your specific situation. That might include:

• Refinancing with a new lender (we refer you to a broker)
• Selling on your timeline (we may offer to purchase directly)
• A seller-financed sale where you continue to receive income
• Lender negotiation or mortgage restructuring
• Bankruptcy or consumer proposal (we refer to a Licensed Insolvency Trustee)
• Doing nothing and exercising your statutory redemption period

If we're not the right answer, we say so. The assessment is yours regardless of what you decide.

Step 3 — You choose your path

You decide. We provide context and answer questions, but the decision is yours. If our offer isn't right for you, we connect you with the broker, lawyer, or counsellor who can help. There's no obligation to work with us at any point in this process.

Step 4 — We execute the plan

If you choose to work with us, we coordinate directly with your lawyer (or refer you to one) and with your lender. We send updates at every step. You stay in control and informed.

If you chose a different path in step 3, we step back. We may follow up once 30 days later to check in — and if you'd rather we didn't, just tell us.

Foreclosure timelines by province

Foreclosure laws vary significantly across Canada. Knowing where your province sits helps you understand your time horizon.

Alberta — Judicial sale

Alberta uses a judicial process. After 90 days of missed payments, the lender can file a Statement of Claim and seek a court order for sale. Total timeline: typically 6-9 months from first missed payment to forced sale, depending on court calendar and any defences raised.

Saskatchewan — Judicial sale with notice

Saskatchewan also follows a judicial framework with statutory notice periods. The Notice of Intention process gives homeowners a defined cure period. Total timeline: typically 4-7 months from first missed payment.

Ontario — Power of sale

Ontario primarily uses power of sale, which is faster. Once a Notice of Sale Under Mortgage is issued, the lender can sell after 35 days. Total timeline: as little as 90 days from first missed payment to closing, in extreme cases.

British Columbia — Court order for sale

BC uses a court order for sale. After 90+ days of missed payments, lenders file a petition. Total timeline: 4-7 months but the redemption period gives borrowers time to act even after a court order is issued.

Manitoba — Judicial

Manitoba follows a judicial process similar to AB and SK. Total timeline: typically 6-9 months.

Atlantic provinces and Quebec

Atlantic provinces (NS, NB, NL, PEI) generally use mortgage sale provisions similar to Ontario's power of sale. Quebec uses Civil Code procedures and typically requires notary involvement. Timelines and procedures differ; we recommend consulting a lawyer in your province.

What we DON'T do

• We don't charge homeowners fees, retainers, or consultations
• We don't ask for upfront payments or "processing fees"
• We don't ask for your banking information, SIN, or credit cards
• We don't pressure you to sign on the same day
• We don't tell you you have no other options
• We don't claim to "stop" foreclosure as a guarantee
• We don't sell or share your information

What we DO do

• We respond to every inquiry within 4 hours during business hours
• We tell you the truth, even when it isn't what you hoped to hear
• We refer you to professionals (lawyers, counsellors, brokers) at no cost to you when that's the right move
• We make written offers you can take to your own lawyer for review
• We coordinate directly with your lawyer and lender once we're hired